31.15.10.01. 01 Definitions.. A. In this chapter, the following terms have the meanings indicated.. B. Terms Defined.. 1) "Business purposes standard" means the standard required by Insurance Article, §27-501(a)2) Annotated Code of Maryland.2) "Claim" means a reported loss that is covered or coverable under a policy.. 3) "Loss" means damage or injury to body, person, or property.. 4) "Remediation" means repair of the premises or dwelling of an insured or replacement of part of th

31.15.10.02. 02 Homeowner's Insurance.. A. Scope. This regulation applies to homeowner's insurance.. B. Weather-Related Claims―Presumption. A claim is presumed to be a weather-related claim if the loss was caused by snow, rain, sleet, hail, lightning, freezing, thawing, change in barometric pressure, or a similar condition.C. Weather-Related Claims―Standard for Cancellation or Nonrenewal.. 1) An insurer may not combine a weather-related claim that is excepted from the business purposes st

31.15.10.04. 04 Action Based on Claims History.. A. Factors in Mitigation. With respect to cancellation of, or refusal to renew, coverage based on claims history, an insurer may not consider factors in mitigation of a proposed cancellation of, or refusal to renew, coverage as provided by Insurance Article, §27-501(n)1) Annotated Code of Maryland, unless the:1) Insurer applies the factors uniformly within a given classification to each proposed cancellation of, or refusal to renew,

31.15.10.05. 05 Measurement of Time Periods.. For the purpose of measuring any time period within which a certain number of claims, or events giving rise to claims, shall have occurred in order to cancel or refuse to renew coverage under Insurance Article, §27-501, Annotated Code of Maryland, the time period is measured from the effective date of the coverage or renewal.

31.15.10.06. 06 Prohibition on Cancellation or Nonrenewal When Filed Rate Exists.. A. Scope. This regulation does not apply to cancellation of a risk due to nonpayment of a premium.. B. Prohibition. Notwithstanding any provision of Insurance Article, §27-501, Annotated Code of Maryland, or of this chapter, an insurer may not cancel, or refuse to renew, a risk if the insurer has a filed rate that is applicable to that risk.

31.15.10.07. 07 Umbrella Coverage.. Insurance Article, §27-501, Annotated Code of Maryland, or this chapter does not allow an insurer to cancel or refuse to renew personal umbrella or personal excess coverage without meeting the business purposes standard.

31.15.10.08. 08 Effective Date of Standards.. A. If an insurer proposes to cancel, or refuse to renew, insurance coverage in accordance with Insurance Article, §27-501, Annotated Code of Maryland, and the cancellation or refusal to renew will take effect on or after October 1, 1998, the insurer shall comply with the standards of Insurance Article, §27-501(i)n) Annotated Code of Maryland, to the extent that the standards are applicable.B. The disclosure requirements of Regulation .04B